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Commercial insurance built around your business, industry and risks.
D&E Insurance Group helps Arizona businesses compare commercial insurance options and build coverage designed around the risks they face every day.
Every business has different risks. Your insurance program should reflect the way your company actually operates.
D&E Insurance Group helps Arizona businesses evaluate commercial insurance options for their property, employees, vehicles, operations and liability exposures.
As an independent insurance agency, we can help compare available coverage options and build an insurance program around your industry, business size and specific risks.
Whether you’re a contractor, professional firm, retail business, property owner or growing company with employees and vehicles, the right combination of commercial insurance policies can help protect what you’ve built.
A commercial insurance program can combine several types of coverage based on your operations, property, employees and liability exposures.
General Liability
Protection for certain claims involving bodily injury, property damage and other covered liability exposures.
Commercial Property
Coverage for buildings, business personal property, equipment, inventory and other eligible business assets.
Workers’ Compensation
Coverage designed to respond to eligible work-related employee injuries and illnesses according to the policy and applicable requirements.
Commercial Auto
Insurance for eligible company-owned vehicles and the liability exposures that can come with business driving.
Professional Liability
Coverage for certain claims involving professional mistakes, negligence and services provided by your business.
Cyber Insurance
Coverage options for risks such as data breaches, ransomware and other covered cyber incidents.
Contractors and growing businesses often have insurance needs that extend beyond basic liability and property coverage.
Contractors Insurance
Contractors may need a combination of general liability, commercial auto, workers’ compensation, equipment coverage and other protection based on their trade and operations.
Commercial Umbrella
Additional liability limits can help protect a business when a covered claim exceeds the limits of certain underlying insurance policies.
Surety Bonds
Performance, payment and bid bonds can help contractors meet project requirements, pursue new opportunities and build a stronger bonding program.
As your business grows, insurance limits, bonding needs, payroll, vehicles, equipment and contractual requirements can change. Reviewing your program regularly can help identify coverage that may need to change along with your business.
Contractors and growing businesses often have insurance needs that extend beyond basic liability and property coverage.
Contractors Insurance
Contractors may need a combination of general liability, commercial auto, workers’ compensation, equipment coverage and other protection based on their trade and operations.
Commercial Umbrella
Additional liability limits can help protect a business when a covered claim exceeds the limits of certain underlying insurance policies.
Surety Bonds
Performance, payment and bid bonds can help contractors meet project requirements, pursue new opportunities and build a stronger bonding program.
As your business grows, insurance limits, bonding needs, payroll, vehicles, equipment and contractual requirements can change. Reviewing your program regularly can help identify coverage that may need to change along with your business.
Businesses may be able to combine multiple types of coverage into one insurance program, but the right structure depends on the size, operations and complexity of the business.
Business Owners Policy (BOP)
A BOP typically combines commercial property and general liability coverage in a convenient package designed for eligible small to midsize businesses.
Depending on the carrier and business, additional coverages may be available to customize the policy for specific operations and exposures.
Commercial Package Policy (CPP)
A commercial package policy can provide greater flexibility by combining multiple commercial coverages into a program designed around a business’s particular exposures.
This approach may be appropriate for businesses with more complex property, liability or operational risks that require additional customization.
A BOP isn’t automatically better because it’s simpler, and a commercial package isn’t automatically better because it’s more customizable. Eligibility, coverage and available options vary by carrier and business.
D&E Insurance Group can help Arizona businesses compare available options and determine which approach may better fit their operations and insurance needs.
Business insurance premiums can vary significantly because every company has different operations, exposures and coverage needs.
Your Business & Industry
The type of work you perform, your annual sales, years in business and the risks associated with your industry can affect insurance pricing.
Employees & Payroll
The number of employees, payroll and job classifications can affect workers’ compensation and other parts of a commercial insurance program.
Property & Equipment
Building values, business personal property, equipment, inventory and location characteristics can influence property insurance costs.
Vehicles & Drivers
Vehicle types, number of vehicles, how they are used and driver information can affect commercial auto premiums.
Coverage & Limits
Coverage selections, liability limits, property values, deductibles and optional endorsements can all affect the overall premium.
Claims History
Prior losses and claims can be considered by insurance carriers when evaluating a business and determining available coverage and pricing.
The least expensive policy isn’t necessarily the best value. It’s important to compare coverage, limits, exclusions and deductibles along with premium.
D&E Insurance Group can help Arizona businesses compare available insurance options and understand the differences between proposals.
Business insurance isn’t just about finding a policy. It’s about understanding your risks and finding coverage that fits the way your company operates.
More Than One Carrier
As an independent agency, D&E Insurance Group can explore available options from multiple insurance carriers rather than representing only one company.
Coverage Built Around Your Business
We take time to understand your operations, employees, vehicles, property and other exposures before helping you evaluate coverage options.
A Local Arizona Team
D&E Insurance Group is based in Glendale and works with businesses throughout Arizona, giving clients access to a local team they can actually call.
As your business changes, your insurance needs can change too. Adding employees, vehicles, locations, equipment, contracts or new services can create exposures that weren’t there when your policies were originally written.
Regular insurance reviews can help keep your commercial insurance program aligned with the business you’re operating today.
Common questions Arizona business owners ask about commercial insurance.
What types of business insurance do I need in Arizona?
The coverage your business may need depends on your industry, employees, vehicles, property, contracts and operations. Common coverages include general liability, commercial property, workers’ compensation, commercial auto, professional liability, cyber insurance and commercial umbrella coverage.
Is business insurance required in Arizona?
Certain types of coverage may be required depending on your business, employees, vehicles, contracts or other circumstances. Even when coverage isn’t legally required, landlords, lenders, customers or contracts may require specific insurance and limits.
What is a Business Owners Policy (BOP)?
A BOP typically combines commercial property and general liability coverage for eligible businesses. Additional coverage options may be available depending on the carrier and the needs of the business.
Does business insurance cover my employees?
Different policies address different employee-related exposures. Workers’ compensation may provide benefits for eligible work-related injuries and illnesses, while employee benefits such as group health, dental, vision, life and disability are separate coverages.
Does my personal auto policy cover vehicles used for business?
Personal auto policies may limit or exclude certain business uses. Businesses that own vehicles or regularly use vehicles for business should review whether commercial auto or other appropriate coverage is needed.
How often should I review my business insurance?
Reviewing coverage at least around renewal and whenever your operations change can help identify new exposures. Changes such as hiring employees, purchasing vehicles or equipment, adding locations or taking on larger contracts may affect your insurance needs.
Can D&E review insurance I already have?
Yes. D&E Insurance Group can review an existing commercial insurance program and help Arizona businesses compare available coverage options, limits and proposals.
Can D&E help with surety bonds too?
Yes. We can help Arizona contractors with performance, payment and bid bonds and work with businesses that want to develop or grow their bonding capacity.